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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Bank of the year!

Excellent from the start, so easy to use app get all information at your fingertips, notifications to your phone as soon as u have used your card, would highly recommend Reviewed on: 28th March 2022

Love zopa it's just so easy to use

Along side you can see everything you need to see on line Reviewed on: 28th March 2022

Perfect

The app is good I like to saving acount Reviewed on: 28th March 2022

First class service!!!!

Excellent smooth service money received within hours wouldn’t go anywhere else!! Reviewed on: 28th March 2022

Realistic borrowing at my fingertips

Having made some bad financial choices I was trying to build my credit back up and Zopa did exactly that. The app was very user friendly and support was always available. Reviewed on: 28th March 2022

Excellent

Wouldn't know what I'd of done without zopa incredible Reviewed on: 28th March 2022

Understanding

Zopa obviously know what it's like as a customer and don't act as robotic as other credit card companies. Miss a payment and they'll text you not send the sherrif of Nottingham to your door. Reviewed on: 28th March 2022

Life saver Zopa Fully recommend.

Zopa help me so much. In the first place I just applied to get my credit score higher but they gave me 300 of credit when I was on need of money Reviewed on: 28th March 2022

Excellent bank but is high rate

Excellent bank but is high rate. Reviewed on: 28th March 2022

Amazing

Amazing amazing. Amazing amazing. Reviewed on: 28th March 2022

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